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1126 3rd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1126 3rd Ave E, Spencer, IA 51301 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1920
Square Footage1,040 sqft Living Area
Lot Size6,020 sqft (0.138 acres)
OccupancyOwner Occupied
Last Sale$81,500 (2021)
Tax Bill$1,895.00 (2025)

Property Details

APN / Parcel Number

Primary APN963607257001

Interior

Bedrooms2 Beds
Full Baths1 Baths
Total Rooms8 Rooms
Building Area1,040 sqft Living Area
Basement Area780 sqft Basement
Unfinished Basement780 sqft Unfinished
Game RoomGame Room
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleCape Cod Style
Exterior MaterialAluminum/Vinyl Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,020 sqft (0.138 acres)
Depth X Width86 ft x 70 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeDetached Garage
Garage Area528 sqft Garage
Patio Area60 sqft Patio
Porch Area144 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemForced Air with Air Conditioning Heating
Water SourceCommercial Water Source

Location & Zoning

Street Address1126 3RD AVE E
CitySPENCER
StateIA
Zip51301-4428
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionN 1/2 6-7 8 FAIRVIEW
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionFAIRVIEW ADDITION
JurisdictionCLAY IA
Minor Civil DivisionSPENCER
Census Blockgroup3
Census Block3049
Census Tract80200

Owner

Source: Clay County records · APN 963607257001

Assessment roll updated September 30, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1126 3RD AVE E, SPENCER, IA 51301-4428
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 27, 2026Deed of Trust, Mortgage · Line of Credit
FARMERS TRUST AND SVGS BANK
Sep 18, 2018Deed of Trust, Mortgage
NORTHWEST BANK
Feb 18, 2021Warranty Deed, Transfer · Conventional Mortgage
FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Known Transactions
  • Last Sale Amount on Feb 18, 2021
  • Deed Sale Price on Feb 18, 2021
Deed Doc Number2021519
Deed Book / Page2021 / 519
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Recording DateMay 27, 2026
Property Address1126 3RD AVE E, SPENCER, IA 51301-4428
Document Number0000001248
Book / Page2026 / 1248
Instrument DateMay 21, 2026
Instrument20261248
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1126 3RD AVE E, SPENCER, IA 51301-4428

Mortgage

Document Number0000001248,
DateMay 27, 2026
Book Page2026/1248
Instrument20261248
Lender
NameFARMERS TRUST AND SVGS BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.23%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address1126 3RD AVE E, SPENCER, IA 51301-4428
Transaction TypeMortgage
Record UpdatedJun 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000002459
DateSep 18, 2018
Book Page0000002018/0000002459
Instrument000000002459
Lender
NameNORTHWEST BANK
TypeBank
Agreement
AmountAmount Recorded
Term112 Months
DueJan 01, 2028

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateFeb 18, 2021
Property Address1126 3RD AVE E, SPENCER, IA 51301-4428
Document Number002021/519
Book / Page2021 / 519
Instrument DateFeb 10, 2021
Instrument2021 0519
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$129.60
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11266 3RD AVE E, SPENCER, IA 51301

Mortgage

Document Number002021/520
DateFeb 18, 2021
Book Page2021/520
Instrument2021 0520
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,895.00 (-0.26%) Homeowner's exemption$101,010 (+9.19%) Land $22,400 Building $78,610$101,010 (+9.19%) Land $22,400 Building $78,610
2024$1,900.00 (+2.93%)
2023$92,510 (+14.81%) Land $15,680 Building $76,830$92,510 (+14.81%) Land $15,680 Building $76,830
2022$1,846.00 Homeowner's exemption$80,580 Land $15,680 Building $64,900
2021$80,580 Land $15,680 Building $64,900

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